. they tried to do everything right. when they wanted to get two youngthese are adults who have always had health insurance. they tried to get health insurance for their pregnancy, but discovered, and this is a catch i did not even know about, and many states at this moment in time, you have to buy a yourancy rider if you or health insurance to cover pregnancy. and what that means, and their case, they researched it, they discovered that to get covered for pregnancy, they would have to pay $800 a month -- a month -- to have coverage for pregnancy, and the catch-22 is that they would have to buy the coverage before they got pregnant, right, so you could $15,000 a year to have coverage for pregnancy, not knowing if you are going to get pregnant. so where they were in life, they decided to just get regular insurance.